Medicare, Part D

Pirate Lady

Pirate Lady

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Jun 2, 2020
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Part D is for medicine. You guys on Medicare, do you get it thru Medicare or private like Aetna?
Ya, PartC bundles everything. But not the question. I have A and B, and just want D.
Try keep simple, I am already very confused.
 
Part D is a supplement that must follow the Medicare "rules". The Gov doesn't provide any component of Part D other than the rules of the game. Part D is optional.
Private insurers provide the Part D just like the Part B supplementals.
Wellcare provides my Part D.
 
It is confusing for most people.

I talked to United Healthcare when I retired (they had provided Health Care insurance for the companies I worked with for 30 years) and they recommended I join AARP and take advantage of their AARP/United Healthcare Supplemental Insurance. Very reasonable coverage price and you pick what you want for Part D.

They have US based people to talk to and set it up. They can also fill in the blanks on how you can save money based on your needs.

https://www.aarpmedicareplans.com/

Give them a call:

1-855-401-6497
 
You need to be careful with Part D. I just went on Medicare. I am very fortunate and do not take any medications. My employer has a firm that helps you get everything in place. I told them that I did not need Plan D now since I am not on any medications. I found out that if you do not sign up for Plan D when you become eligible, there is a penalty you pay when you do sign up. And this penalty is paid forever.
 
WaveDancer01 said:
You need to be careful with Part D. I just went on Medicare. I am very fortunate and do not take any medications. My employer has a firm that helps you get everything in place. I told them that I did not need Plan D now since I am not on any medications. I found out that if you do not sign up for Plan D when you become eligible, there is a penalty you pay when you do sign up. And this penalty is paid forever.
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I agree with this. United Healthcare said: "You say that you are not on any medications now......but that will change over time." Those words rang true for me.....24 months later the cost of prescriptions would easily top $3k per year and I pay $150 for them. It is important to get this sorted out at the start of Medicare eligibility or you will pay more for it later.
 
PlayDate said:
I agree with this. United Healthcare said: "You say that you are not on any medications now......but that will change over time." Those words rang true for me.....24 months later the cost of prescriptions would easily top $3k per year and I pay $150 for them. It is important to get this sorted out at the start of Medicare eligibility or you will pay more for it later.
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I ended up signing up for Plan D. My premiums are $11/month. Better to get everything in place before I need it.
 
Ok, good info. I joined AARP in spring. Got their car insurance on friend’s recommendation. 60% cheaper than progressive. An with wife recent wreck they were wonderful.
I wiil definitely call aarp/united monday.
 
What kills my cost reasonability is the IRMAA - maxed out. Another year and it all should go down significantly.
 
AARP United Healthcare Medicare and Supplemental Plan F- includes Rx Plan D - iirc, most expensive choice of the various A through whatever plans, but has been best choice for me. 5 surgeries, 3 with rehab and never seen a bill so they get my recommendation. My wife has some Aetna Medicare and I don't what she picked from what options there were, but it has a lot of copays and deductibles and have tended to nickle and dime us with either her hospital or doc office visits. And it costs her more than mine = they suck.
 
Thx Dave, i have had Aetna for 30 as company insurance. Used to be good. But after wife car wreck. She did about 5 days in hospital then transferred to rehab. After a week they denied any future treatment. Said go home. Not happy with Aetna any more.
 
WaveDancer01 said:
I ended up signing up for Plan D. My premiums are $11/month. Better to get everything in place before I need it.
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My aarp United Healthcare part d has increased to 50 per month oretty steep 600 per yr and I have rarely used. But you have to have whenever time comes it’s needed. Neighbor is sad story with poor health insurance coverage - both got hit with big medical issues and big bills. Filed bankruptcy last winter and are selling house now. Yikes
 
Dayum! About neighbors. 50 a month, i can do. I spent that way more than that today on burgers, sides, and beer. Itake for scrips, for cholesterol and heart.
 
Traditional Medicare with a supplemental plan plus a separate drug plan is the most expensive way to use Medicare. A good Advantage plan, if available in your zip code, is the best option unless you have a free or subsidized plan through your employer.
 
Yes United healthcare advantage through AARP has been good. The initial discount you get does go away over time but still ok.
 
Dxdave said:
AARP United Healthcare Medicare and Supplemental Plan F- includes Rx Plan D - iirc, most expensive choice of the various A through whatever plans, but has been best choice for me. 5 surgeries, 3 with rehab and never seen a bill so they get my recommendation. My wife has some Aetna Medicare and I don't what she picked from what options there were, but it has a lot of copays and deductibles and have tended to nickle and dime us with either her hospital or doc office visits. And it costs her more than mine = they suck.
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Are you sure about the part D included with the F supplement? I have had the F supp since going on Medicare and my agent had me enroll in a separate part D. Checking their website I do not see that included.
 
you are correct it is 'separate' but I get it from them also. Not sure if I had other options at the time..
 
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